UMB Bank in Wisconsin vs the state
37.3%Denial rate+23.24 pts vs state
39.9%Decision denial rate+23.50 pts vs state
54.3%Origination rate-13.90 pts vs state
5.99%Median rate-0.63 pts vs state
-0.98Rate spread (pts)-1.10 pts vs state
$86kMedian applicant income
83Loans originated
57Denied
What UMB Bank lends in Wisconsin
By loan purpose
By loan type
Why it denied Wisconsin applicants
Where in Wisconsin
Counties with the most UMB Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Sheboygan County | 67 | 31 | 30 | 44.8% |
| Dane County | 32 | 21 | 9 | 28.1% |
| Green County | 12 | 4 | 5 | 41.7% |
| Grant County | 8 | 5 | 2 | 25.0% |
| Milwaukee County | 4 | 1 | 2 | 50.0% |
| Vilas County | 3 | 2 | 1 | 33.3% |
| Rock County | 2 | 1 | 1 | 50.0% |
| Ozaukee County | 2 | 2 | 0 | 0.0% |
| Walworth County | 2 | 0 | 2 | 100.0% |
| Winnebago County | 2 | 1 | 1 | 50.0% |
Other large lenders in Wisconsin
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Summit Credit Union | A | 15,483 | 13.8% | 6.75% |
| University of Wisconsin Credit Union | A | 11,781 | 13.8% | 6.50% |
| Landmark Credit Union | A | 9,393 | 17.7% | 6.50% |
| Rocket Mortgage | C | 7,819 | 18.0% | 6.63% |
| Associated Bank | B | 7,451 | 23.7% | 6.88% |
| BMO Bank | F | 5,202 | 25.3% | 8.23% |
| Educators Credit Union | B | 4,930 | 24.3% | 6.95% |
| U.S. Bank | D | 4,710 | 26.0% | 6.88% |
| Covantage Credit Union | B | 4,581 | 7.7% | 6.50% |
| United Shore Financial Services | B | 4,421 | 11.8% | 6.38% |
Frequently asked questions
Wisconsin: 153 applications in 2025, of which 83 were originated and 57 denied.
37.3% of all applications, or 39.9% of the applications it actually decided on. The Wisconsin statewide average across all lenders was 14.0%.
The median rate on loans UMB Bank originated in Wisconsin in 2025 was 5.99%, against a statewide median of 6.63%.
About this data. Figures are UMB Bank's own HMDA filing for properties located in Wisconsin, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology